Should I invest in SBI CONSUMPTION OPPORTUNITIES FUND?

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 13.75%.

SBI

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH

Latest NAV

₹317.4941

As of

3 Jun 2026

3,305 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.49%	+0.27%	+0.22	82 / 258	Q2
1W	-2.13%	-1.34%	-0.79	191 / 258	Q3
2W	-2.71%	+0.04%	-2.75	247 / 259	Q4
1M	-4.99%	-0.39%	-4.60	257 / 259	Q4
3M	-3.38%	+2.19%	-5.57	210 / 257	Q4
6M	-10.17%	-1.09%	-9.08	230 / 247	Q4
YTD	-9.37%	-1.30%	-8.07	226 / 247	Q4
1Y	-8.22%	+5.02%	-13.24	218 / 230	Q4
2Y	-0.88%	+5.50%	-6.39	165 / 182	Q4
3Y	+8.72%	+16.94%	-8.22	132 / 139	Q4
4Y	+12.03%	+16.57%	-4.54	101 / 119	Q4
5Y	+13.75%	+13.73%	+0.03	55 / 109	Q3
7Y	+14.59%	+16.42%	-1.83	57 / 91	Q3
10Y	+14.66%	+15.07%	-0.41	45 / 76	Q3
Inception	+14.79%	+10.45%	+4.34	101 / 259	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-9.37%	-0.94%	-8.44	224 / 244
2025	-6.19%	+4.41%	-10.59	193 / 208
2024	+24.19%	+23.18%	+1.01	62 / 155
2023	+31.27%	+33.51%	-2.24	70 / 127
2022	+15.06%	+4.32%	+10.73	26 / 116
2021	+34.75%	+34.43%	+0.32	44 / 104
2020	+14.85%	+21.19%	-6.35	47 / 94
2019	+1.44%	+9.30%	-7.86	73 / 85
2018	-0.68%	-5.36%	+4.68	27 / 77
2017	+54.51%	+35.61%	+18.91	7 / 76
2016	+3.28%	+4.98%	-1.71	40 / 76

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.75%

152 windows

min -30.5% · max 73.6%

82% positive

3-Year rolling

+17.19%

127 windows

min -2.7% · max 37.7%

97% positive

5-Year rolling

+16.97%

103 windows

min 3.5% · max 30.2%

100% positive

7-Year rolling

+15.77%

79 windows

min 8.6% · max 20.6%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

15.49%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.29

Downside-only deviation

Max drawdown

-25.91%

Sep 2024 → Mar 2026

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹317.4941
2 Jun 2026	₹317.4644
1 Jun 2026	₹315.9043
31 May 2026	₹319.9332
29 May 2026	₹319.9475
27 May 2026	₹325.4027
26 May 2026	₹324.3721
25 May 2026	₹324.4154
22 May 2026	₹323.1681
21 May 2026	₹323.1652

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is ₹317.4941. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has NAV history starting from 08 Jan 2013, a track record of about 13 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a absolute return of -8.22% — -13.24 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #218 of 230 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 8.72% — -8.22 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #132 of 139 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 13.75% — +0.03 pp ahead of the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #55 of 109 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹392,777 today — a multiplier of 3.93×, based on the 10-year CAGR of 14.66%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹725,831 today. That's an XIRR (money-weighted annualised return) of 7.54%.

A ₹10,000 monthly SIP for 10 years in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,436,119 (multiplier 2.03×). XIRR: 13.56%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH ranks #55 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.73%; this fund delivered 13.75%.

The worst peak-to-trough decline SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 25.91% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH averaged 16.97% (best 30.16%, worst 3.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable risk-adjusted performance.

In calendar year 2025, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH returned -6.19% — lagging the Sectoral/Thematic Fund category average of 4.41% by 10.59 pp. It ranked #193 of 208 in its category that year.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 13.75%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.